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After you set up a file password in Quicken, you're not stuck with it forever. You can either change the password or remove it by choosing File, Passwords, File.
If you've already set up a password, however, Quicken doesn't display the Quicken File Password dialog box. Instead, Quicken displays a mutated Quicken File Password dialog box that asks for the password you're now using and the new password you want to use in the future. Type the current password in the Old Password text box and the new password in the New Password and Confirm Password text boxes. Then press Enter or click OK. From now on, you need to use the new password to gain access to the file. If you don't want to use a password anymore, just leave the New Password and Confirm Password text boxes blank.
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